PM’s Pledge To Flood Devastated Cumbria
November 21, 2009
“PM’s Pledge To Flood Devastated Cumbria” is a headline today on Sky News. I thought it unfortunate, and wondered how he plans to get the waters to rise above the level of the local mountains. Presumably his plan involves damning the lakes, levelling Scafell Pike, etc etc, and building a huge dyke around the county before letting the North Atlantic rush in? Flooding the county further seems a little unnecessary, given the “Act of God” (though one has to ask which one is intended by that phrase?) which has already done a pretty good job. Still if you are in Cumberland or Westmoreland might I suggest starting to build an ark, and voting Tory? (I can’t believe I suggested the latter…)
My friend DC comes from Seaton near Cockermouth — I can’t see him being impressed by this latest government initiative. Or maybe Sky News intended to say “PM’s Pledge to Assist Cumbria, Devastated by Floods?” I assume the latter, but my reading was more interesting!
Best wishes to all Cumbrians struggling with the flood, and all News Editors struggling with the English language.
cj x
PS They have now an hour later changed the headline to “PM’s £1m Pledge To Help Flood-Hit Cumbria”
Shame the former version was more interesting, while significantly less accurate!
My birthday cake
August 27, 2009
Skeptics – Help Stop CJ23.com!
July 6, 2009
I was just thinking: we have Robert Lancaster’s excellent Stop Sylvia site, which I think is an excellent cause, and now we have other similar sites dedicated to stopping prominent woo’s.
I originally intended on the morning of April 1st to open www.stop-cj23.com but sadly the domain registration would have taken too long and cost money. And I don’t have any money (more of which in a moment!)
It is not for me to boost his ego by pointing out what an-arch proponent of woo the poster known as CJ.23, Jerome, Chris Jensen Romer or in his purple phase “undecipherable squiggle symbol” is. Let us just say that he is well known to hang out in all the places the usual suspects can be found – parapsychology, ghosthunting, paranormal TV, history and philosophy of science, Science Festivals, occult convocations, General Synods and on Rainy Days and Mondays the Dawkins and JREF forums.
And what does he do? He peddles woo. What woo? All sort of woo. Who do? you do – er no, I think that is heading in to a Bowie lyric. Anyway, he often acts as a religious apologist on this very forum, peddling the most disturbing (and researched) claims about factual distortions, misapplied logic and pseudohistory, and is on record as disputing almost everything from “there is no evidence to God” to “theism is irrational” to even “extraordinary claims require extraordinary evidence.” On one occasion he sank a slow as to agree with Larsen.
Given his history of involvement with both mainstream parapsychology, paranormal TV from Discovery’s Ghosthunters (not the silly US plumbing one.
) to Most Haunted and Most Haunted Live, and his interminable use of bandwidth arguing pedantically about silly pointless things, I think CJ must be stopped. Worst of all he is An Anglican, a particularly virulent breed of literalist Creationist monstrosity, who make “sinners in the hands of an Angry God” look mild with their famous “cake or death” mantra.
So I have decided to end his reign of woo, and get rid of him. How? It’s simple. CJ is broke, having gone to the Edinburgh Science Festival (Saturday precursor events excellent) and then with an SPR Study Day, and investigation in a Castle and then the Cheltenham Science Festival in the next few weeks. He is tremendously broke. He needs money, and fast! So how can he get it?
Well, I will set up www.stop-CJ23.com and solicit donations from the sceptical community of course! (I’ll also advertise both sceptical books, and even woo books on Nazareth not existing if I can make a few tax free quid out of it. Do you believe in UFOs, astral projection, ESP, clairvoyance, spirit photography, telekinetic movement, full-trance, mediums, the Loch Ness monster and the city of Atlantis? If there’s a steady paycheck in it… I’ll believe anything you say” to quote Ghostbusters.)
So rather than supporting the excellent StopSylvia, please, think for a moment. Would you not prefer to stop cj.23? Pretty please? Just a few donations, and I promise he will head off to a series of conferences and eventually Barbados or similar, and you will never be troubled by him again. So I plead of you – help STOP CJ.23!
cj x
July 4th – My challenge to Christian America
July 4, 2009
I just noticed that it is the night of the Fourth of July, so happy Independence Day to the US readers!
And for any fundamentalist Christians, I will hereby accept your surrender of the United States of America on behalf of Her Majesty Queen Elizabeth II, and the restoration of the colonies. After all, you would not want to go against the Holy Bible would you?
As we all know, “no taxation without representation” was a cry of the traitors like Washington, Jefferson, Franklin et al. They objected to what is today the USA being a colony of the noble British Empire, and as uppity colonials always do, thought they should run their own affairs. Jolly bad show all round.
Rather than managing to lose the war against us Brits, and getting hanged as they so richly deserved, this disreputable mob of traitors won. OK, 1812 and the White House open air bonfire and rockets party made up for it a little, but it still irritates.
However luckily these foul “Founding Fathers” were clearly a bunch of irreligious maniacs, or simply did not know their Scripture. For what system of Government does God endorse? Imperialism and colonies paying taxation without representation. For is it not written “Render unto Caesar what is Caesars, and God what is God’s?” This clearly indicates the economic system then prevalent in the Roman colony of Judea was acceptable.
So stop whinging, and give us our colonies back, and we can celebrate true patriots like Benedict Arnold and Cornwallis, rather than perpetuate this irreligious treason? ![]()
Now of course, you may object to being forced to submit to Great Britian, in which case I will cheerfully accept a surrender to me personally. I have never been a King before, but have no real objection to trying something new. I don’t think American Democracy is faring well, so why not give Enlightened Despotism and a totally nonhereditary “I-just-felt-like-giving-it-a-shot monarchy a go? King Christian I – has a nice ring to it? ![]()
I will of course give the Native Americans due credit – they were there first. Mind you, in the UK so were the Welsh…
Everyone else though, how can you go against the clear word of God and support this overthrow of a rightful government? Have you not read Paul’s Epistles, if my earlier theological justification does not convince?
I await your surrender with eager anticipation. Maybe afterwards we can have a nice cup of tea, and a plate of cucumber sandwiches?
Happy 4th July!!!
cj x
CJ crashes his bike: a blackly comic end to his cycling days? or a murder plot failed? :)
June 14, 2009
OK, I’m a bit too hot, after nearly an hour in the sun. I also seem to have a lot of road on me, and grease all over my hands. Most annoyingly, I have a bicycle that sounds like Einsturzende Neubauten (did I spell that right?) in concert when I even push it down the road which is all I am likely to be doing with it for the foreseeable. If I try and ride it it sounds like Sooty & Sweep meets the Velvet Underground crossed with Stockhausen on amphetamines. Still apart from that, a few bruises and a twisted ankle are the extent of the damage. I can still hobble about, for which the world can be grateful or callous as the mood takes them. So what happened?
I have no idea. The facts are simple. Took bike out for spin. Notice odd clanking. Get off bike, look, not much wrong, apart from my back brake cable has been taken out – that requires considerable force, but could have happened I guess somehow. My front brake is fine. I turn for home, and noise gets worse, but luckily I’m almost outside Paul Wheeldon’s flat. I decide to wander in and see if he has a moment and any tools, and to see if I can fix it, at least reconnect the back brake. I say hi to Paul’s landlord, a nice chap, and then park my bike by the kitchen window (in the yard) and knock. No reply. I curse my luck! I knock louder, still no reply, so finally remembering Paul is at the back of the house i try the door, and finding it open wander in. Him or Rob might be asleep, but with a spoon I can always fix it. I don’t normally burgle people’s houses! Then I hear someone out back, so I shout “Paul, yahoo, it’s CJ!” And he appears, looking like I have just shot him. Maybe he thought I was a very cheerful homicidal maniac come to slay him in his bed, or in true Mayor Quimby style his bed was actually filled with sexy young interns? Or maybe he really was juts trying to prepare his pub quiz for tonight, and could not be disturbed. He explained politely, but in that manner people have when flustered by unexpectedly being visited by people they really do not want to see right now that he was really busy and I’d have to go. I looked around for a spoon or something, but he did not seem very amenable to any further discussion, just kept repeating “you have to go I’m busy” so I left. And then things got worse.
I’d hurt my foot wearing some shoes which are not utterly disgraceful when I went to Dudley on Friday – the wrath of Becky is far worse than sore feet – and my left foot must be bigger than my right, for it currently has plasters on – so I was limping a little. I climbed on the bike, and gingerly set off up the road, when three things happened at once – firstly a car came down the (dead end to traffic) street far too fast, on my side of the road as people are parked on the other. Secondly my back wheel suddenly stopped turning, and then as the wheel left the ground as I put the front brake on, came off my bike entirely. I’d like to say it went rolling down the road in a cinematic manner – in fact it just seems to have fallen over on the spot, being already stationary. I leapt left, in to a wall, entirely unnecessarily as the oncoming driver stopped, and I believe nearly died of apoplexy laughing at the sight of my ungainly impact with the road. Well actually I think it was quite graceful? Who knows. Of course I land on my bad foot and twist my ankle…
OK, so just superficial bruising, and a twisted ankle. If it had happened on the Tewkesbury Road could have been fatal, but it didn’t, it happened at really slow speed in an alley. I now stood up, and found that my back wheel had come entirely off – the noise was caused by the nuts working free. Someone must have loosened them? That and the back brake not being attached led to the rather odd crash. Never had anything like that happen before! For a paranoid second I wondered if someone was trying to kill me. I keep my bike in the living room, and I never ever leave it unsupervised outside – I don’t even carry a lock nowadays. I just use it for pleasure jaunts. It has no panniers, and it’s hard to ride with shopping balanced on the handlebars. If I leave it at Richard’s while i go to TESCO he stands and frets over it like a mother hen guarding her young. If it was sabotaged it was done in the house – but who would have any reason to kill CJ? Not Lisa for sure! She has access at work to far better methods anyway.
So a homicidal visitor? A mental review does not suggest any! In fact, I am totally puzzled. Yet there is one prime suspect. A young lady, from Somerset, who has a known history of sabotage…
I have an exercise bike here. Occasionally we ride on it – I used to use it a bit till one day it fell apart under me. Lisa had exactly the same experience. We tighten the bolts, and yet it falls apart as soon as we are riding. And one day we found out how.
The young lady, who is two years old, has uncanny strength in her paws. Hansine, a small tabby cat is also a gremlin with an amazing ability to destroy things. Unlike other cats he does not just chew them – she undoes them, with her paws. She has no malicious intent – she just plays with any loose nut, working at it till the object in question falls apart. I don’t believe she could have disconnected the brakes, but if a nut was loose, she would have amused herself for ages unscrewing it. I would not believe a word of this, had we not witnessed repeatedly her sabotaging the exercise bike. So is she trying to kill me? Nope. But if there is a prime suspect, well Hansine is it.
(NB: My cats are rather dangerous. I recently had to inform Cuddles he was not Corgi registered when he started to get very interested in the gas pipes.)
Well I got too hot standing on that blasted road. I would normally have wheeled the bits of my bike back to Paul’s, but he was VERY busy and quite insistent. So I wandered home, having reattached the back wheel after a titanic struggle in which I discovered the British public has an amazing capacity for telling you what you know and stating the obvious “wheel come off?”, “you got a problem with the bike?” and one girl who nervously said “do you live round here?” Yes, of course. I live just opposite. That’s why I’m standing by the side of the road sweltering covered in grease with a dismantled bicycle. I thought it so much more fun than repairing it with tools in the privacy of my own garden!
One cheerful bearded fellow offered to help, but that was just as I finally got the wheel on and the forks bent back enough to actually wheel it home, and coast the last few triumphant yards down the alley where I live, bring Tina out to see what the noise was. Maybe she thought a scrap iron merchant pulling a wagon load of metal with a boneshaker, or the Angel of the Millennium heralding the Last Trump. Whatever she thought was drowned out in the cacophony of my triumphant arrival back!
Anyway enough. I’m going to the pub. I know I don’t drink, but hell, I think I might tonight. I won’t be repairing the bike in my perilous current financial state for a month or two, but I might ask DC over to have a look. For now, I’m just glad to be in one piece!
cj x

























The Reverse Robin Hood: or I Fought the Beast and the Beast Won
November 26, 2009
I’m not sure exactly when it happened that the British public decided that Bankers were agents of the devil, but it certainly seems to be the case judging by headlines this week. Well, maybe the press is on to something…
And that no man might buy or sell, save he that had the mark, or the name of the beast, or the number of his name. Here is wisdom. Let him that hath understanding count the number of the beast: for it is the number of a man; and his number is Six hundred threescore and six.
Revelations 13: 16-17 (King James Version)
A sad day today: in the case of The Office of Fair Trading versus The Minions of Satan (aka the High Street Banks) a decision was found in favour of the banks, ending several years of legal uncertainty. Well, for now…
Aleister Crowley, who declared himself the Great Beast. I'd prefer to have a cup of tea with him than sign a credit agreement with a high street bank any day!
Of course I do not literally think the British High Street Banks are the Beast prophesied in the final book of the Bible ; do they look like a lamb while speaking like a dragon? Um, well, now you mention it… That they are anti-christ seems quite clear: I mean usury (the lending of money at interest) is a mortal sin anyway isn’t it? So I like the term “minions of Satan”, and encourage people to treat them just as you would if Old Nick appeared and asked you to sign a paper in exchange for a pile of hot gold – if you must sign, sign in blood. This usually gets you chucked out of the bank before proceedings get nasty. Trust me, I know.
CJ applies for an overdraft facility.
Better you get chucked out or an ambulance or the police called than you lose your soul by dealing with the Devil.
What profiteth a man to gain the whole world, and yet lose his own soul?
Luke 9: 23
Yes I’m joking – I’m just mightily sore at this decision, and yet I can’t argue with the legal logic. It was the correct legal decision – but there are wider issues at stake…
The Reverse Robin Hood
So what is the Reverse Robin Hood? Something I found in the Anne Summers Guide to Improbably Acrobatic Acts? Not quite!It’s actually a memorable line from the Supreme Court ruling today
though Mr Sumption QC (for the banks) vigorously disputed Lord Mance’s suggestion that his clients were engaged in a sort of “reverse Robin Hood
exercise”
The phrase amused me, and lies at the heart of the controversy.
Banks exist to make their shareholders a profit. This is actually the responsibility of any publicly floated company, and therefore one can not blame banks for trying to make profits, no matter how many billion that may be. What is actually at stake here is not if bank fees are appropriate – I think it entirely appropriate I pay for the service provided; the question is how that payment should be taken.
At the moment we have ‘free banking’ in the UK – well 80% of people do. The remaining 20%, the villains, in fact subsidize the free banking by paying these charges, which make up 30% of the revenues gained by the banks from their Current Accounts.
The villains who go overdrawn without proper authorisation pay many times the actual cost incurred to the banks by their indiscretion – and as a result, the 80% of good folks pay nothing. Fair enough?
Except — those 20% are the poorest members of society on the whole. People with enough money to live rarely go in to these unauthorised overdrafts simply for fun. OK a few do, because they have failed to watch their spending, or because a £25 fee is no big deal to them, so they would rather pay it than delay gratification. Unfortunately, for those who are actually in the bread line, an emergency like sickness means one often has to make the decision between going over and paying £25 fee to get the seven pounds fifty for a prescription charge, or not getting the pills. And trust me I know -I have a drawer full of prescriptions I have never collected. A job interview? Same problem. I have lost all my savings I had amassed and bunt through my disposable income and had to borrow heavily just to get to an interview for a position I really wanted – the train fare alone was two weeks income for me. And I did not get the job, again…
Now to be fair, much of this is NOT a problem if you are on the dole, Income Support or similar. I know it’s hard, but I honestly miss the luxury of knowing I would get my bi-weekly giro. And free prescriptions! Unfortunately the only state benefit I receive does not give on exemption from that or Council Tax for example, and a helluva lot of other people are in the same boat. It’s really mainly a problem for the working poor – those who actually do work, but are on low incomes. No amount of financial planning or savings can protect you against some of life’s disasters when you have £17.50 a week after rent & council tax to live off, and these people make up that villainous 20%.
And they pay everyone’s bank costs, covering the 80% who actually are never going to need to worry about having to go suddenly overdrawn. Hence “reverse Robin Hood” – not a sex position, but actually the way UK banking works - “robbing from the poor to pay for the rich”
The Sheriff of Nottingham ponders the size of his bonus as he prepares another Credit Card launch - so much easier than the olde methods of oppression!
This was NOT the issue at stake in the court case. In fact the Court Ruling goes some way to making clear that in fact the ruling was on the appropriateness of the tool used by the Office of Fair Trading to pursue the demonic horde – er sorry, I mean High Street banks – and that the tool in question, an EU directive, was incorrect. The OFT has gone off to lick it’s wounds, and I expect an announcement shortly – there are still plenty of legal options if they have the will to continue the fight. There is actually a FAR more dangerous legal threat to the banks lurking in the wings, but I shall ignore that for now as it has nothing to do with bank charges.
My Situation
I have just been hit for £100 by my bank for bank charges – puzzling, given that I have only one direct debit or other agreement, no standing orders, only one payment goes out – my phone bill – which I had funds to cover and have not gone over my agreed overdraft as far as I can see – until the charges came in last month, pushing me over. Now i have been charged for being in debt cos I could not clear the last charge before this month. That charge was equal to 10 days disposable income for me – the new charges represent six weeks disposable income. I am now locked in what will rapidly become a spiral of charges, which will eventually result in my ending up with a huge debt to my bank – all from one £25 charge, the cause of which I am still not aware of.
I have written to my bank, and had some correspondence – and was interested by what was said. I noted that I had signed up for a current account on the understanding that I could not actually go overdrawn, and that my solo card prevented me spending money I did not have. I was informed that in fact I can now go overdrawn, the contracts T&C’s* having been subject to change, and that they as a bank can in fact not stop me doing this, and can not allow me to put some block on my account so I can’t spend what I don’t have. I can NOT have a limit by which I can not go outside my overdraft. I asked why, and my understanding is this “service” is provided by a third party company. I need to look in to this, as it could have quite serious ramifications in terms of the legality of my original contract, subsequent variation,and Data Protection regarding sharing of my personal data with subsidiary or affiliated groups.
The End of Free Banking?
And here is the big bogeyman – the fear that like America, most of Europe, in fact most of the World we might have to pay a small charge for our banking. The righteous 80% are positively frothing when you suggest that actually everyone paying the ACTUAL cost of their banking services would not really be unreasonable, rather than the poorest subsidizing everyone else. The fact such an arrangement would be in agreement with principles of natural justice does not seem to bother them – they are terrified the bank might take their money. Yet to the poorest the current arrangement is crippling, little more than loansharking. Why do I say this?
As you may have gathered I resent paying bank charges beyond my usual debit interest and the odd small fee, like the £9 which I used to be charged when I actually signed up to my contract if I did something dumb. That is today £25. So when I needed money last month (and I have just been scraping around to get change off the floor to buy a loo roll – I get my money on Saturday) I decided that I would be a good responsible citizen, and extend my overdraft by fifty quid. It’s £200. I did not think £250 would break them. I had not been overdrawn beyond my limit in three years. I have no CCJ’s against me, and a small but regular income. So applied online for a one month £50 extension.
And they said it would cost me £25 for arranging the overdraft. Er what? It costs me £25 to go “informally overdrawn” – and £25 if I do it properly too? SO I phoned up, they confirmed the charge, and refused to extend my overdraft anyway. I ended up borrowing off friends, who ar every long suffering but realise my situation. Thanks to everyone who has helped so often!
Now the bank’s defence on their practices is that if you make an arrangement with them you will not incur the charges. I tried to make an arrangement – and the charges were still there? No less – exactly the same fee. So if i actually went overdrawn illegitimately, or legitimately, it would cost sthe same. And what is worse, they refused me anyway. So the bank has clearly decided I’m a bad credit risk – yet when I put my card in to try and get my last fiver out, it asked me if I wanted to pay £25 for the privilege of an “informal overdraft arrangement”.
I declined, and added another prescription to my collection.
So if Free Banking is threatened, I won’t cry too much. I’ll still pay, but you can be certain that te 80% will make sure that they are not ripped off, as they have the voices and power, and I don’t think it will happen anyway. Why? People are getting used to shopping around for the best bank account deals. They are realising that when a bank changes the rates or charges, they can move their money elsewhere. Credit Cards (which I don’t have) taught people the esoteric joys of balance tranfers. We are not like our parents who stayed with the bank down the road for life. Competition would reduce bank charges immediately once they are moved from those who can’;t afford them to those who can.
Furthermore, the government is the biggest stake holder in many of the High Street banks now. The bail out, what was it £62 billion or whatever, saved the economy. From my reading Gordon Brown actually did save the world, well at least the global economy while the Americans dillied and dallied. Good on him! I’m no fan of New Labour, but it was a beautiful bit of political intervention. So maybe the political will exists to actually stop this nonsense, and stop the increasing gap between rich and poor in our society?
There is something pathetic about an administration legislating to end Child Poverty, yet not looking at the causes of that poverty, of which ruinous bank charges on the parents of said kids must come high in the causes. The government controls the banks – and can promise free banking on the banks they are major stakeholders in.
And the banks: the banks can stop this now. All they have to do is cap unauthorised spending – stop people taking money they have not got out of the cash machine, and charge what it actually costs to bounce a direct debit or whatever, not some exorbitant fee. Sure people would suffer, as I do, because they can’t lay their hands on cash at the end of the month – but if you put them in a cycle of bank charges like this they will soon have no money by the middle, then the start of the month. So stop selling debt to third party companies banks, and make your limits stick. And get rid of the ludicrous charge on AGREED overdrafts.
Yes, profits might fall a little. Yes shareholders in the banks might get slightly lower dividends. But how many bank shareholders actually have kids in poverty? And aren’t we all shareholders when we pay tax since the bail out? Are we not entitled to join the party?
I fought the Beast – and the Beast won – for now. Yet it will not continue forever…
cj x
* and before anyone says – bet you did not read the Terms and Conditions carefully – oh, how wrong you are! I actually read them and understood them fully, and in fact far better in light of the relevant legislation than my bank appears to have. I wonder why they do not hire solicitors to read their own T&C’s, rather than apparently just copy them from each other and earlier agreements? One day very soon this could cost them so much that a lot of banks might go under… I find it incredible that many Banks seem unaware of the statutory requirements of the Consumer Credit Acts…
Filed in Dreadful attempts at humour, Religion, Social commentary desecrated, Uninteresting to others whitterings about my life
Tags: agreed overdraft, Aleister Crowley, bank charges, free banking in the UK, Gordon Brown, high street banks, informal overdraft arrangements, Lord Mance, Mr Sumption QC, New Labour and the Banks, Office of Fair Trading, Office of Fair Trading Versus The Minions of Satan, overdraft fees, reverse robin hood, rich get richer poor get poorer, Social Justice, Supreme Court, supreme court decision on bank charges, UK banks, usury